Business Details
Your Trusted Mortgage Partner in New York & Pennsylvania
Artisan Mortgage is a premier mortgage brokerage firm dedicated to empowering home ownership through personalized financial solutions. With over two decades of experience serving New York and Pennsylvania, our team of seasoned professionals prioritizes ethical practices, transparency, and client-centric service. We specialize in navigating complex mortgage markets to secure stable, affordable loans tailored to individual needs. Our A+ Better Business Bureau rating and recognition as Long Island's top mortgage company underscore our commitment to excellence.By maintaining partnerships with diverse lending institutions, we offer competitive wholesale rates and innovative programs for first-time buyers, veterans, and clients with unique financial circumstances. Our streamlined process, combined with proactive communication and expert guidance, ensures a seamless experience from prequalification to closing.
Services
Home Purchase Loans
Refinancing Services
VA Loans
FHA Loans
Bad Credit Mortgages
Reverse Mortgages
Jumbo Loans
Non-QM Loans
Home Renovation Financing
Highlights and features
- 20+ years of mortgage industry expertise with local market knowledge
- A+ Better Business Bureau rating for ethical business practices
- Personalized loan officer support throughout the entire process
- Access to exclusive wholesale mortgage rates from multiple lenders
- Specialized programs for first-time buyers, veterans, and unique cases
Associations and certifications
- Better Business Bureau
- National Association of Mortgage Brokers
What people say
Fantastic team
Great process
Best mortgage company
Excellent service
Diligent rate monitoring
Services
Home Purchase Loans
Our home purchase loan program provides tailored financing solutions for first-time buyers and experienced homeowners. We offer conventional fixed-rate mortgages, adjustable-rate options, and government-backed programs with low down payment requirements. Our team guides clients through pre-approval, rate locking, and closing processes while maintaining transparent fee structures. With access to multiple lenders, we secure competitive rates that match individual financial profiles and long-term homeownership goals.
FHA Loans
Specialized FHA loan services cater to buyers with limited credit history or lower credit scores. Our experts facilitate 3.5% down payment options insured by the Federal Housing Administration, including specialized 203k renovation loans for property improvements. We provide detailed counseling on mortgage insurance requirements and help clients understand total cost implications. Our streamlined process maintains compliance with HUD regulations while expediting approvals for qualified applicants.
Refinancing Services
Our refinance solutions help homeowners reduce monthly payments, consolidate debt, or access home equity. We offer rate-and-term refinancing, cash-out options, and streamline programs for existing FHA/VA loans. The team analyzes current market conditions to recommend optimal timing for locking new rates. Clients receive comprehensive break-even analyses and transparent disclosures about closing costs associated with modifying their mortgage terms.
Bad Credit Mortgages
Custom mortgage programs assist clients with past credit challenges including bankruptcy or foreclosure. We specialize in alternative documentation loans for self-employed individuals and offer credit rehabilitation guidance. Our underwriters evaluate compensating factors like debt-to-income ratios and employment stability to approve qualified applicants. Educational resources help clients understand how to rebuild credit while securing necessary financing.
Reverse Mortgages
HECM-insured reverse mortgage programs enable homeowners aged 62+ to convert home equity into tax-free funds. We provide detailed counseling about loan implications, including impact on estate planning and government benefits. Our specialists explain various disbursement options - lump sum, monthly payments, or credit lines - while ensuring compliance with FHA regulations. Clients receive personalized illustrations showing long-term equity depletion scenarios.
People
Jim Barry
President & CEO
With over 20 years in mortgage banking, Jim Barry leads Artisan Mortgage's strategic direction while maintaining active client relationships. He oversees loan officer training programs and maintains key lender partnerships that secure exclusive rate offerings. Jim frequently contributes industry insights to local media outlets including Newsday and LongIsland.com.
Nathaniel Pratt
Senior Loan Officer
Nathaniel Pratt specializes in complex mortgage scenarios, assisting clients with unique credit profiles through the loan approval process. He provides detailed explanations of mortgage terms while maintaining a 98% client satisfaction rate based on recent reviews. Nathaniel's expertise includes jumbo loan programs and investment property financing.
Questions
What mortgage programs do you offer for first-time homebuyers?
We provide FHA loans with 3.5% down, conventional options with 3% down, and state-specific programs with closing cost assistance. Our loan officers explain each program's eligibility requirements and long-term implications.
How does your refinancing process work?
We begin with a rate comparison analysis, then guide clients through application, appraisal, and underwriting. Our team explains break-even points and ensures clear understanding of new loan terms before closing.
Can I get a mortgage with bad credit?
Yes, we specialize in non-traditional credit scenarios. Our underwriters evaluate alternative documentation and compensating factors to approve qualified applicants for conventional or government-backed programs.
What sets Artisan Mortgage apart from other brokers?
Our 20+ years of local experience, A+ BBB rating, and personalized service model with dedicated loan officers throughout the process create a consistently superior client experience.
Do you offer reverse mortgages for seniors?
Yes, we provide FHA-insured HECM reverse mortgages with multiple disbursement options. Our specialists explain financial implications and ensure this solution aligns with your long-term goals.
